Apply for a Loan Appointments Online Banking MessagePay Payment Portal
Apply for a Loan Appointments Online Banking MessagePay Payment Portal

Introducing MessagePay

Life can get hectic, and it’s easy for loan payments to slip through the cracks. To keep you from worrying about late fees, TrailNorth proudly introduces MessagePay, a convenient tool designed for those moments when time is of the essence. With MessagePay, making a payment quickly to avoid late penalties is possible and cost-effective.

Effortless Mobile Payments

MessagePay transforms how you handle your loan payments with us. This cutting-edge platform enables you to initiate payments swiftly from your mobile device through a simple text message, leveraging any external bank account. It’s the ideal solution for ensuring your payments are on time, especially when you’re down to the wire.

Stay Ahead of Late Fees

With MessagePay, you’re not just making a payment; you’re taking an intelligent step to save money and keep your account in good standing. The small $5.99 convenience fee applied to each loan payment via MessagePay is a cost-effective alternative to a late fee, providing you with peace of mind and financial flexibility when needed.

Make a Payment 

MessagePay

How MessagePay Works

  • Once you sign up for Message Pay, you’ll get a text message informing you of the amount due on your loan. You’ll be able to review your payment options, or you can opt out of our text message service by texting “STOP.”
  • The link will take you to a portal where you will be asked to verify your account with your account number and date of birth.

When you verify your account for the first time, you’ll have to set up the following:

  • 4-Digit PIN: Once you’ve entered your account number and date of birth, you’ll be prompted to create a 4 digit pin. Store this information in a secure location; you’ll need your pin number to verify future payments.
  • Preferred method of payment: To make a payment you will have to add a preferred form of payment in the portal. You can do this by selecting “Add New Card"  (must be a debit card) or Add New Bank which will prompt a secure website for you to input your information. If completed correctly, there will be a message stating “Payment Method Success” and you’ll be redirected to the payment portal. Please note: you can not add a TrailNorth debit card.
  • Once your account has been successfully verified, you’ll be directed to the payment portal where you will be able to see all of your loans and will also be able to select your preferred payment method.
    Make a Payment

MessagePay Benefits

  • Transaction fee to use MessagePay is only $5.99.
  • Encrypted information guarantees your information is secure
  • Convenient ways to pay from an external account: text, our website.

  • Payments accepted from non-TrailNorth savings accounts, checking accounts, and debit cards

    Frequently Asked Questions
    If I opt out of receiving text messages will I still be able to pay my loans online with MessagePay?

  • Yes, you will have to access the payment portal through our website. However, you will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.

    How can I make a payment via text message?
  • Once you receive a text reminder, you respond “Pay” to the same text. You will be asked to enter your pin to verify your account, once you have completed this process your payment will be complete and you should receive a confirmation text. NOTE: you will have to setup a 4 digit pin and preferred method of payment prior to using text payments.

    You can also pay without MessagePay with your TrailNorth accound with the options below:
    Digital and Online Options
  • Online Banking: Log in to your account on the TrailNorth Online Banking portal to transfer funds directly from a savings or checking account to your loan. 
  • Mobile Banking App: Use the TrailNorth Mobile Banking App on your smartphone or tablet to make internal transfers or set up recurring payments. 
  • Online Bill Pay: Use TrailNorth Bill Pay if you need to push funds from an external account or manage regular payee distributions. 

    In-Person and Branch Options
  • Visit a local branch:  Visit one of our three branches to pay in person during our operating hours.  
  • Call us at 518-585-6725 during our operating hours.
  • CO-OP Shared Branching: Utilize CO-OP Shared Branching networks if you are away from home and need to make a transaction in person at a participating credit union.